The glossaryRisk profile
A risk profile is a structured assessment of an investor’s capacity and willingness to accept investment risk. It typically combines three inputs: financial capacity (income, wealth, time horizon, liquidity needs), knowledge and experience (familiarity with financial products), and risk tolerance (psychological comfort with portfolio swings). The result is a profile — from conservative to dynamic — that determines asset allocation. Swiss regulation (under MiFID-equivalent standards) requires banks to establish a risk profile before offering investment advice or a mandate. Alpian’s investment platform uses a structured risk profiling process so each mandate matches the client’s actual capacity and goals.
Last verified: May 2026